Spray foam insulation problems – solved

Spray foam insulation problems? We remove it. Lenders approve it.

If spray foam insulation is blocking your house sale, mortgage or remortgage, you're not stuck. We remove the foam to lender standard, provide all the documentation your surveyor and mortgage provider need, and issue a removal certificate with a 100% approval rate. Same-day reply, written guarantee, no-fix-no-fee.

Sound familiar?
  • Removed to lender standard
  • Fully insured £5M PL
  • Same-day quote
  • No-fix-no-fee guarantee
4.9 / 5 from 480+ verified reviews 2,000+ homes treated
Same-day reply
60-second quote form
100% lender approved
Mortgage-ready certificate
No-fix-no-fee
Written guarantee
£5M fully insured
Public liability cover
Free survey
Typically next day
Nationwide
One vetted standard

The problem

Why spray foam insulation causes problems

Spray foam insulation was sold as an upgrade, but in the roof space it creates exactly the problems mortgage lenders and surveyors watch for.

Sprayed against the underside of the roof, the foam traps moisture against the timbers instead of letting them breathe. Over time that means condensation, damp and, in the worst cases, rotting rafters and battens. Because the foam covers the timbers completely, a surveyor can't inspect the roof structure or spot defects, so they can't sign the property off.

That's why most UK lenders now refuse to lend on foam-affected homes, and why the strictest, including several high-street names, decline them outright. Common survey findings are open-cell foam holding damp, closed-cell foam bonded so hard it hides timber condition, and warm-roof spray that blocks ventilation.

The result is predictable: sales collapse, mortgage offers are withdrawn and valuations come back reduced or refused. The fix is professional removal to lender standard, with a certificate.

Selling

Can you sell a house with spray foam insulation?

Yes, you can sell a house with spray foam insulation, but in almost every case you'll need to remove it first. A cash buyer might proceed as-is, but the moment your buyer needs a mortgage, the lender's valuer will flag the foam and the sale stalls.

Most UK lenders won't lend on a property with spray foam in the roof until it's professionally removed and certified. So while nothing stops you listing the house, the practical route to a completed sale is to deal with the foam before or during the transaction.

Here's what lenders and buyers need: proof the foam has been removed to standard, photographic evidence of the work, and a removal certificate their surveyor will accept. Our certificate has a 100% acceptance rate with UK lenders.

Timeline matters. Your free survey is usually next day, removal is typically 1 to 3 days, and the certificate is issued the same day, so a flagged sale can be back on track within a week.

Mortgages

Mortgage refused because of spray foam?

If your mortgage or remortgage has been refused because of spray foam, you're not stuck, and you're far from alone. It's the single most common reason we're called.

Lenders refuse because the foam hides the roof structure and can trap moisture, so their valuer can't confirm the property is sound security for the loan. What they need to reverse that is straightforward: evidence the foam has been fully removed to lender standard, and a certificate their surveyor accepts.

That's exactly what we provide. We remove the foam, document the work with before-and-after photographs, and issue a removal certificate with a 100% lender acceptance rate. Once your lender has it, the reason they refused is gone. Send your postcode and we'll reply same-day.

Valuation

How spray foam insulation affects your property value

Spray foam in the roof doesn't just complicate a sale, it can pull your valuation down. When a valuer can't inspect the roof structure and knows most lenders won't touch the property, they down-value it or return the valuation as unsuitable security.

That leaves owners weighing the cost of removal against the cost of doing nothing: a stalled sale, a reduced offer, or a buyer walking away. In almost every case, professional removal costs a fraction of the value knocked off an unresolved property, and it's a one-time fix that puts the home back on the market at its proper price.

Removing the foam and holding a lender-ready certificate turns a property lenders avoid into one they'll happily lend on.

How removal works

Three steps. No shopping around. No cowboys.

We've vetted a nationwide team to one standard, so wherever you are, you get the same job done right, first time.

STEP 01

Free survey at your home

A vetted specialist visits, inspects your loft, photographs the foam and confirms the exact removal scope in writing.

Typically next day
STEP 02

Clean, certified removal

Our team removes every trace, protects your home and disposes of waste under our carrier's licence, start to finish.

1–3 days on site
STEP 03

Lender-ready certificate

You get a signed removal certificate & full photographic record, exactly what mortgage lenders, surveyors and buyers need to sign off.

Same day
100% Success Rate

UK's most trusted spray foam removal certificate.

Our certification has a 100% acceptance rate with UK mortgage lenders. It's the gold-standard that gets your property back on the market, fast.

Lender accepted

Recognised by all UK mortgage providers, high-street and specialist alike.

Fully documented

Detailed before/after photographic evidence with every removal certificate.

Industry standard

Meets every PCA, RICS & TrustMark standard and regulatory requirement.

Surveyor approved

Accepted by chartered surveyors and conveyancers across the country.

Removal Certificate
Trusted by all UK mortgage lenders

Accepted by ALL major lenders

Our certification is recognised by every major UK mortgage provider

Halifax
Barclays
Nationwide
HSBC
NatWest
Santander
Lloyds
Virgin Money
Metro Bank
Coventry BS
Leeds BS
Yorkshire BS

Our certificate includes full photographic evidence, written confirmation the work meets industry standards, and the documentation surveyors & lenders require to sign off, no follow-ups, no delays.

100% mortgage approval rate

Why Go Green Quote

No more cowboys. One vetted team, one standard.

We constantly vet our nationwide fulfilment partners so every job is done right, first time. You stop shopping around, we do the hard part.

Mortgage-lender approved removal

Our certificate is accepted by every major UK lender, including those that have refused foam-affected properties.

Same-day reply, every enquiry

No chasing. No ghosting. You hear back the day you enquire, even at weekends.

No-fix-no-fee guarantee

If your lender or surveyor isn't satisfied with the removal, we put it right at our cost. Written guarantee, in your hand.

Fully insured & licensed

£5M public liability, registered waste carrier, full RAMS on every job. No grey-area subcontracting.

2,000+
Homes treated nationwide
12 yrs
Specialising in foam removal
100%
Mortgage approval rate
£5M
Public liability cover
Backed by our written No-Fix-No-Fee guarantee & waste-carrier licence.
Spray foam removal specialist at work

Common questions

Spray foam problems FAQs

Can I get a mortgage on a house with spray foam insulation?
Usually not until it's removed. Most UK lenders decline properties with spray foam in the roof space because their valuer can't inspect the structure. Once the foam is professionally removed and you hold a lender-ready certificate, the property becomes mortgageable again.
Will spray foam insulation stop me selling my house?
It can. Any buyer needing a mortgage will hit the same lender refusal you would, so foam-affected sales often collapse at the valuation stage. Removing the foam and providing a certificate keeps the sale on track.
How much does it cost to fix spray foam insulation problems?
The cost depends on your property, the type of foam and how much there is. We give you an accurate, all-inclusive, no-obligation price on your free survey. For most owners it's a fraction of the value lost on a stalled or reduced sale.
Can a surveyor pass a house with spray foam insulation?
Rarely, while the foam is in place, because it hides the roof timbers they need to inspect. After professional removal, with our before-and-after documentation and certificate, surveyors and lenders sign the property off.

Nationwide coverage

Wherever the foam is. Wherever you are.

One vetted team across England, Scotland, Wales & Northern Ireland, same standard, same guarantee, in every postcode.

London & South EastMidlandsNorth WestNorth EastYorkshireSouth WestWalesScotlandEast AngliaNorthern Ireland
Active jobs in 62 postcodes this month Active region

Free quote · No obligation

Stop your sale or remortgage stalling. Get a quote today.

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Free no-obligation survey · No cowboys · No-fix-no-fee